Join HSBC Advance Now!

HSBC Advance is here to support you in every way we can. We provide you with comprehensive banking services and convenient digital banking, as well as preferential offers and privileges that help you capture wealth growth opportunities.​

  • $0 brokerage fee for Hong Kong stock, China A shares and U.S. stock purchases within the first 6 months upon new investment account opening2
  • Join HSBC Advance and get your first 12 months of below balance fee waived1


Terms and Conditions apply.

How can you benefit from HSBC Advance?

Stocks

HSBC Easy Invest: Get free real-time quotes, news and market data of Hong Kong, China A and U.S. stock markets and tap into the opportunity in seconds
  • $0 brokerage fee for Hong Kong stock, China A shares and U.S. stock purchases within the first 6 months upon new investment account opening2.
  • $0 brokerage fee for Stocks Monthly Investment Plan3

Credit Card

Perpetual annual fee waiver for both primary and supplementary HSBC Advance Visa Platinum Card holders
HSBC Reward+: View and register for an array of Red Hot Offers, manage your credit card accounts anytime, anywhere, and settle your bills with RewardCash

Foreign Exchange

  • Set your own target exchange rate and convert funds automatically or receive alerts via SMS/email from FX Order Watch4 when your target rate is reached
  • Manage up to 11 major foreign currencies in a single account, 24 hours online5

Deposit

  • From now until 30 June 2019, new HSBC Integrated Account customers6 can enjoy a preferential rate of up to 1.25% p.a. on top of existing Hong Kong Dollar Savings Rate, for 3 months upon account opening. Details
  • Purchase below foreign currencies and place a 1-week time deposit7 at a branch to enjoy preferential interest rate. Details
    • RMB: 5.3% p.a.
    • USD: 7.8% p.a.
    • AUD: 8.6% p.a.
  • Place HKD/USD Time Deposits with new funds to enjoy preferential interest rate8. Details
    • 18-mth HKD Time Deposits interest rate: 1.9% p.a.
    • 18-mth USD Time Deposits interest rate: 2.6% p.a.

Life and General Insurance

  • Enjoy up to 3.5% discount for the 1st year9 premium upon successful enrolment of selected life insurance plans
  • Enjoy 20% off on 1st year premium and 15% off on 2nd year premium upon successful enrolment HomeSurance10. Details
  • Enjoy an annual 10% discount for family coverage upon successful enrolment of FirstCare Plus Medical Insurance11

Bills Payment & Transfer

HSBC HK Mobile Banking app
  • Pay your bills in a few clicks or simply use Touch ID / Face ID to conduct transactions
  • Make instant local transfers with no charges12 in HKD or RMB with a mobile phone number, email address, FPS Identifier, or by scanning a QR code via Faster Payment System (FPS)

To understand more about the banking products and services from HSBC Advance, please click here.

Join HSBC Advance now to enjoy comprehensive banking services.​

New HSBC customers

Make an appointment

Existing HSBC customers

Upgrade online*
Call 2233 3722

* Only applicable to existing registered users for HSBC Integrated Account customers who fulfil the minimum Total Relationship Balance.

Remarks:

  1. Customers can enjoy a waiver of the below balance fee for the first 12 months after joining HSBC Advance. Afterwards, if a customer’s Total Relationship Balance (TRB) over the past 3 months is below HKD200,000 (or the equivalent in foreign currency), a below balance fee of HKD120 per month will be levied. The monthly below balance fee applies to each Advance Account. Customers who have previously held an Integrated Account – HSBC Premier and/or Integrated Account - HSBC Advance (whether as sole accountholders or joint accountholders) in the past 9 months prior to the new Advance account opening/conversion month , will not be eligible for this offer and will enjoy first 3 months below balance fee waiver.
  2. Promotional period is from 1 January to 31 December 2019 (both dates inclusive). Only applicable to customers without any investment service account in past 6 months and open new investment account during the promotional period. Eligible Advance Customers will enjoy the Securities Offer for all Eligible Transactions until the total cumulative standard brokerage fee reaches HKD5,000. All subsequent transactions will be subject to standard brokerage fees. Please refer to the applicable Terms and Conditions for details.
  3. The SMIP Offer is effective from 28 June 2010 until further notice (the “Promotional Period”). Customers can enjoy the brokerage fee waiver, inclusive of standard brokerage fee of 0.25% and all transaction related charges: Securities and Futures Commission transaction levy, Hong Kong Exchanges and Clearing Limited trading fee and stamp duty, deposit transaction charge and Central Clearing and Settlement System fee. The SMIP Offer is applicable to all new and existing investment customers of HSBC who have any existing SMIP or set up a new SMIP during the Promotional Period through any channel (including branches). Terms and Conditions apply.
  4. FX Order Watch Trading Services is exclusively provided to HSBC Premier and HSBC Advance customers only. The services are only applicable for integrated accounts, HKD/FCY Statement Savings Accounts and HKD Current Account, except Multiple Currencies Savings accounts or HK Dollar Passbook Savings accounts. Customers can trade via FX Order Watch Trading Services from Monday 5 am HKT to Saturday 4 am HKT during summer time (US daylight saving), and Monday 5 am HKT to Saturday 5 am HKT during winter time (non-US daylight saving).
  5. The service (exclude USD/CombiNation Passbook Savings account) operates from Monday 5am to Saturday 4:59am and Saturday 8am to 4:30pm. For USD/ComiNation Passbook Savings accounts, the service operates from Monday to Friday 8am to 7pm and Saturday 8am to 4:30pm. Above service hours are not applicable on 1 January, 25 December, 12 midnight to 7:59am on 26 December and 2 January and when a Black Rainstorm Warning Signal or Typhoon No. 8 signal or above is hoisted.
  6. New HSBC Integrated Account customer is referring to a personal customer who opens HSBC Jade / HSBC Premier / HSBC Advance / Personal Integrated Account on or before 30 June 2019 and must NOT be a holder of any HSBC account(s) (whether as sole accountholder or joint accountholder) in the past 9 months prior to the account opening month. Terms and Conditions apply.
  7. Customers performing designated foreign exchange transaction and placing time deposit with HKD50,000 (or equivalent) or above, can enjoy preferential time deposit rate. The above interest rates are indicative as of 28 March 2019 and are for reference only. They are not guaranteed and maybe subject to revision, as per prevailing market conditions. Foreign currency exchange and time deposit offer is applicable to HSBC Advance customers who have made currency exchange to designated currencies and placed the time deposit at branch. For details, please check with branch staff of the Bank.
  8. Terms and Conditions apply. The above interest rates are indicative as of 26 February 2019 and are for reference only. They are not guaranteed and may vary from time to time in accordance with subject to revision, as per prevailing market conditions.
  9. The insurance product discount offers are applicable to successful applications made by HSBC Advance customers on or before 30 June 2019. Please refer to the applicable terms and conditions for details.
  10. The insurance product discount offers are applicable to successful applications made by HSBC Advance customers on or before 31 December 2019. Please refer to the applicable terms and conditions for details.
  11. A 10% discount on premium will be offered if 1) your direct family member(s) is an existing member of FirstCare Medical Insurance or FirstCare Plus Medical Insurance; or 2) you and your direct family member(s) successfully enrol for FirstCare Medical Insurance at the same time. Direct family member(s) refers to spouse, partner, child(ren) , parent(s) and sibling(s). Please refer to the applicable terms and conditions for details.
  12. There is no charge from us if you pay money to, or receive money from accounts from other banks via FPS, but other banks may have different charging policies.

Important Risk Warning

  • Unit Trusts, Bonds, Certificates of Deposit (CDs), structured products (including Equity Linked Investments, Structured Notes, Deposit Plus, Structured Investment Deposits and Capital Protected Investment Deposits) are NOT equivalent to time deposits. Unit Trusts and Bonds and some of the Structured Products are investment products and some Unit Trusts and Structured Products may involve derivatives. The investment decision is yours but you should not invest unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.
  • The price of securities / structured products may move up or down and may become valueless. Losses may be incurred as well as profits made as a result of buying and selling securities/ structured products.
  • In the worst case scenario, the value of the products may be worth substantially less than the original amount you invested (and in an extreme case could be worth nothing).
  • Issuer’s Risk – Bonds, CDs and structured products are subject to both the actual and perceived measures of credit worthiness of the issuer. There is no assurance of protection against a default by the issuer in respect of the repayment obligations. In the worst case scenario, you might not be able to recover the principal and interest/coupon if the issuer defaults on the Bonds, CDs and Structured Products.
  • Investors should not make investment decisions based on this material alone.
  • Investment involves risks. Past performance of the products is no guide to future performance. For details of the products, the related fees and charges and risk factors, please refer to the individual product materials and/or offering materials.
  • Currency conversion risk – the value of your foreign currency and RMB deposit will be subject to the risk of exchange rate fluctuation. If you choose to convert your foreign currency and RMB deposit to other currencies at an exchange rate that is less favourable than that exchange rate in which you made your original conversion to foreign currency and RMB, you may suffer loss in principal.
  • RMB denominated products are subject to liquidity risk as there may be no regular trading and active secondary market for RMB Income Instruments. The bid and offer spread of the price of RMB Income Instruments may be large, so investors may incur significant trading and realisation costs and may suffer losses accordingly.
  • Warrants and CBBCs are non-collateralised products. The price of the Warrants/CBBCs may fall in value as rapidly as it may rise and investors may sustain a total loss of their investment. Prospective investors should ensure that they understand the nature and risks and seek for professional advice where applicable.

Additional risks are disclosed in the “Risk Disclosure” section. Please refer to “Risk Disclosure” section for details.

Structured Investment Deposits, Deposit Plus, Capital Protected Investment Deposits and CDs are not protected deposits and are not protected by the Deposit Protection Scheme in Hong Kong. Deposit Plus and Certificates of Deposit is NOT principal protected.

Risk Disclosure

Unit Trusts

  1. Funds which are invested in certain markets and companies (e.g. emerging, commodity markets and smaller companies etc) may also involve a higher degree of risk and are usually more sensitive to price movements.
  2. Credit Risk/Interest Rate Risk – a fund that invests in fixed income securities may fall in value if interest rates change, and is subject to the credit risk that issuers may not make payments on such securities. Price of the fund may have a high volatility due to investment in financial derivative instruments and may involve a greater degree of risk than in the case with conventional securities.
  3. Counterparty Risk – a fund will be exposed to credit risk on the counterparties with which it trades in relation to financial derivative instrument contracts that are not traded on a recognized exchange. Such instruments are not afforded the same protections as may apply to participants trading financial derivative instruments on organized exchanges, such as the performance guarantee of an exchange clearing house. A fund will be subject to the possibility of insolvency, bankruptcy or default of a counterparty with which a fund trades such instruments, which could result in substantial loss to a fund.

Bonds and Certificates of Deposit (“CDs”)

  1. Bonds/CDs are mainly medium to long term fixed income products, not for short term speculation. You should be prepared to hold your funds in bonds/CD for the full tenor. You could lose part or all of your principal if you choose to sell your bonds/CDs prior to maturity.
  2. The Bank provides indicative prices of bonds/CDs and the bonds/CDs prices may and/or do fluctuate when market changes. Factors affecting market price of bonds/CDs include, and are not limited to, fluctuations in interest rates, credit spreads, and liquidity premiums. The fluctuation in yield generally has a greater effect on prices of longer tenor bonds/CDs. There is an inherent risk that losses may be incurred rather than profit made as a result of buying and selling bonds/CDs.
  3. It is the issuer to pay interest and repay principal of bonds/CDs. If the issuer defaults, the holder of bonds/CDs may not be able to receive back the interest and principal. The holder of bonds/CDs bears the credit risk of the issuer and has no recourse to the Bank unless the Bank is the issuer itself.
  4. If you wish to sell the bonds/CDs purchased through the Bank, the Bank may repurchase them based on the prevailing market price under normal market circumstances, but the selling price may differ from the original buying price due to changes in market conditions.
  5. There may be exchange rate risks if you choose to convert payments made on the bond/CDs to your home currency.
  6. The secondary market for bonds/CDs may not provide significant liquidity or may trade at prices based on the prevailing market conditions and may not be in line with the expectations of holders of bonds/CDs.
  7. If bonds/CDs are early redeemed, you may not be able to enjoy the same rates of return when you use the funds to purchase other products.

Deposit Plus

  1. Credit risk of the Bank - Deposit Plus is not secured by any collateral. When you invest in this product, you will be relying on the Bank's creditworthiness. If the Bank becomes insolvent or defaults on its obligations under this product, you can only claim as an unsecured creditor of the Bank. In the worst case, you could suffer a total loss of your deposit amount.
  2. DPS is not principal protected. The net return in relation to Deposit Plus will depend upon market conditions prevailing at the deposit fixing time on the deposit fixing date. You must be prepared to incur loss as a result of depreciation in the value of the currency paid. Such loss may offset the interest earned on the deposit and may even result in losses in the principal amount of the deposit.

Renminbi (“RMB”) Related Products

  1. There may be exchange rate risks if you choose to convert payments made on RMB related products to your home currency.
  2. RMB related products may suffer significant losses in liquidating the underlying investments if such investments do not have an active secondary market and their prices have large bid/offer spreads.
  3. In general, RMB equity products are exposed to the usual kind of default risks that might be associated with equity products denominated in other currencies.
  4. RMB debt instruments are subject to interest rate fluctuations, which may adversely affect the return and performance of the RMB products.
  5. You could lose part or all of your principal if you choose to sell your RMB products prior to maturity.

Securities Trading

  1. The prices of securities fluctuate, sometimes dramatically. The price of a security may move up or down, and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling securities.

China A Shares

  1. Investment in China A Shares through Shanghai-Hong Kong and Shenzhen-Hong Kong Stock Connect involves risks. You should carefully consider whether any investment products or services mentioned herein are appropriate for you in view of your investment experience, objectives, financial resources and relevant circumstances. The price of securities may move up or down. Losses may be incurred and profits may be made as a result of buying and selling securities.
  2. For further information, you should refer to the risk disclosures and other terms set out in the China Connect / Shanghai-Hong Kong and Shenzhen-Hong Kong Stock Connect Terms and Conditions.

The remuneration for sales staff is determined based on the staff's overall performance with reference to a wide range of factors, and is subject to review from time to time, for the purpose of encouraging the building of deep, longlasting and mutually valuable relationships with customers. It is not determined solely on financial performance.

 

Making available to you any advertisements, marketing or promotional materials, market information or other information relating to a product or service shall not, by itself, constitute solicitation of the sale or recommendation of any product or service.  If you wish to receive solicitation or recommendation from us, please contact us and, where relevant, go through our suitability assessment before transacting.

 

The life insurance plans are underwritten by HSBC Life (International) Limited (“HSBC Life”), which is authorised and regulated by the Insurance Authority of the Hong Kong SAR to carry on long-term insurance business in the Hong Kong SAR. HSBC Life will be responsible for providing your insurance coverage and handling claims under your life insurance policy. The Hongkong and Shanghai Banking Corporation Limited is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent of HSBC Life for the distribution of life insurance products in the Hong Kong SAR. For product details and related charges, please refer to the relevant brochures and policy provisions or contact our HSBC’s branch staff.

 

For product details and related charges, please refer to the relevant brochures and policy provisions or contact our HSBC’s branch staff.

 

The general insurance policies are underwritten by AXA General Insurance Hong Kong Limited (“AXA”), which is authorised and regulated by the Insurance Authority of the Hong Kong SAR. AXA will be responsible for providing your insurance coverage and handling claims under your policy. The Hongkong and Shanghai Banking Corporation Limited is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent of AXA for distribution of

general insurance products in the Hong Kong SAR. General insurance plans are products of AXA but not HSBC.

 

For monetary disputes arising between HSBC and you out of the selling process or processing of the related transaction by HSBC, HSBC will enter into a Financial Dispute Resolution Scheme process with you. On the other hand, for any disputes over the terms and conditions of your policy, AXA will resolve with you directly. 

 

The information in this document does not constitute a solicitation for making any deposit or investment in any products referred to herein. You should carefully consider whether any investment products or services mentioned herein are appropriate for you in view of your investment experience, objectives, financial resources and circumstances. This material has not been reviewed by the Securities and Futures Commission of Hong Kong.

To borrow or not to borrow? Borrow only if you can repay!

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